IBPS Clerk Salary 2025: In-Hand Pay, Allowances & Career Growth
If you are preparing for IBPS Clerk 2025, one of the first questions in your mind is – “How much is the actual salary after joining?” At Sarkari Hiring, we go beyond the surface to bring you authentic data directly from the official pay scale, 12th Bipartite Settlement updates, and bank HR circulars. In this guide, we break down the IBPS Clerk salary in 2025, including in-hand pay, allowances, perks, deductions, career growth opportunities, and promotion path.
💼 IBPS Clerk Salary Structure 2025 (Official Pay Scale)
As per the 12th Bipartite Wage Settlement, the starting basic pay of an IBPS Clerk in 2025 is ₹24,050 per month. The official pay scale progression is:
₹24,050 – 1340/3 – 28,070 – 1650/3 – 33,020 – 2000/4 – 41,020 – 2340/7 – 57,400 – 4400/1 – 61,800 – 2680/1 – 64,480
This means a fresh joiner starts at ₹24,050 and, with yearly increments, can reach up to ₹64,480 basic pay over 20 years.
| Years of Service | Basic Pay (₹) |
|---|---|
| Joining | 24,050 |
| After 3 years | 28,070 |
| After 6 years | 33,020 |
| After 10 years | 41,020 |
| After 17 years | 57,400 |
| After 20 years | 64,480 |
💰 In-Hand Salary of IBPS Clerk 2025
While the basic pay is ₹24,050, the take-home in-hand salary is around ₹38,000 – ₹40,000/month in metros (slightly lower in small towns).
Here’s the typical breakdown for a newly joined clerk in 2025:
Basic Pay: ₹24,050
Dearness Allowance (DA ~20%): ₹4,800 – ₹5,000
House Rent Allowance (HRA ~8–10%): ₹2,400 – ₹2,700
Special Allowance (~30%): ~₹7,000+
Transport Allowance: ₹600 – ₹850
➡️ Gross Salary: ~₹40,000 – ₹41,000
➡️ Deductions (NPS, Tax, PT): ~₹2,500 – ₹3,000
➡️ Net In-Hand Salary: ~₹38,000
💡 The revised pay scale has significantly boosted clerk salaries. Earlier, IBPS Clerks started with ~₹25k take-home; in 2025 it’s close to ₹40k – a 50% jump, making the post very attractive.
📊 IBPS Clerk Basic Pay Progression Graph
💳 Allowances & Benefits
IBPS Clerks enjoy several allowances on top of basic pay:
DA (Dearness Allowance): Varies quarterly with inflation (CPI index).
HRA (House Rent Allowance): Higher in metros; optional lease facility in some banks.
Special Allowance: Fixed percentage that also earns DA.
Medical Allowance & Group Insurance: Hospitalization covered; ₹2,000 annual allowance.
Travel & CCA: For transport and metro postings.
Staff Loans: Home, vehicle, personal loans at concessional rates.
📈 Career Growth: From Clerk to Officer
One of the strongest reasons to choose IBPS Clerk is the clear promotion path.
Internal Promotion Exams: Eligible after 2–3 years (faster with JAIIB/CAIIB).
Clerk → Officer (PO, Scale I): Salary nearly doubles (~₹75,000 in-hand as of 2025).
Further Growth: Scale II (Manager), Scale III (Senior Manager), Scale IV+ (Chief Manager, AGM, DGM, GM).
📊 Why Choose IBPS Clerk in 2025?
IBPS Clerk is one of the most balanced government jobs for graduates:
✔️ Competitive starting salary (~₹40k in-hand)
✔️ Regular increments + inflation-linked DA
✔️ Job security + pension benefits via NPS
✔️ Fast-track promotions to Officer cadre
✔️ Work-life balance compared to many private jobs
Yes, the role starts as entry-level. But with effort, networking, and professional qualifications like JAIIB/CAIIB, you can transform this opportunity into a long-term, rewarding career.
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⭐ Final Thoughts
IBPS Clerk Salary 2025 reflects not just a paycheck, but a secure career path in India’s banking sector. With in-hand pay touching ₹40,000, steady growth, and strong promotion opportunities, it remains a top choice for graduates seeking stability, perks, and upward mobility.
Don’t just aim to join as a clerk – aim to grow into an officer. This is where the real financial and professional rewards lie.
Faqs on IBPS Salary 2025
A newly appointed IBPS Clerk receives an in-hand salary of around ₹38,000–₹40,000 per month in 2025. This includes basic pay of ₹24,050 plus allowances like DA, HRA, and special allowance, minus deductions for NPS and taxes.
IBPS Clerks receive Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, Transport Allowance, and Medical benefits. DA is revised quarterly with inflation, while HRA varies depending on posting city.
es. IBPS Clerks can become Probationary Officers (Scale I) through internal promotion exams after 2–3 years of service. With qualifications like JAIIB/CAIIB, promotions are faster. Once promoted, salary and responsibilities increase significantly.
The maximum basic pay for an IBPS Clerk is ₹64,480, reached after about 20 years of service. With allowances, the gross monthly salary can cross ₹80,000, even without promotion. Those who move into officer roles earn even higher packages.